Hi Melanie

Thanks for the answer, I was hoping that was the case. So should I be able to keep the A&L bank account as I don't owe any money to the bank?
JB

MelanieGiles wrote:

The Alliance and Leicester card supplied by MBNA will be a debt with MBNA.

I have debts with Abbey, but we recently got new cards and letter stating that MBNA now supply the A&L card even though A&L are part of the Santander group, I do not owe any money to my A&L bank account so was hoping I might be able to keep it if the credit card debt is to MBNA.

Hi
I currently have a bank account with Alliance & Leicester and also an Alliance&Leicester credit card which is supplied by MBNA, does this mean that my debt is with MBNA and not Alliance&Leicester thus allowing me to keep the bank account if my IVA is succesful?

Cheers
JB

With christmas approaching and my daughters birthday just happening she has put a few items on a next account card although they are one of the minor creditors, I take on board what you are saying Kallis3 and we have done this now but untill the money is available this is what she has done rightly o...

Does anyone know what the creditors say if you use any credit facility within 3 months of applying for an IVA? Been desperate times my wife has used her card over the last few weeks and we're currently looking at applying for an IVA.
JB

Hi, Have a look at Melanies web site I'm in the process of starting an IVA and have spoken to one of Melanies team and they gave me some really good advice and made me feel more comfortable about the situation I'm in, she is also very well respected on this site so take a look as well as others. Hop...

Hi All, Can I just start by saying that this forum is an absolute godsend, the responses are really helping us cope with the daunting thought of what's possibly coming our way, Thanks for that post sunny2morow, very uplifting. Melanie I did speak to Tina last night and felt very much at ease whilst ...

Thanks Melanie,

JB

Hi Melanie, Sorry to slightly miss quote, I only missed her call yesterday but called her back today and left a message, it's not a problem yet just one of those things. I've now left her an e-mail so hopefully she'll contact me tomorrow. Regards JB Hi Joe I am sorry that you keep missing Tina. I wi...

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Hi, I am currently starting an IVA and originally phoned debt free direct, whilst I still haven't chosen a firm I was put off when I asked if I would get the same person anytime I contacted them and was told no, this has put me off using them. Hi Mel Apologies if you have received some conflicting m...

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Thanks Pennyless,
I'd seen Melanies name on the forum and was thinking of contacting her.

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